7 thoughts on “Benefits of High Cash Value Life Insurance”

Boy how much are they paying this Bozo to say this? wake up, everyone
knows that Term is way better than Whole Life, at the end with the Whole
Life the company stays with the cash value and if you want your money you
have to take it out as a loan. Don’t be fool by Jerks like these guys they
will always sell this trash because they think about the money they make
and not the future of a Family. B E W A R E !!!!!!﻿

The 6,52% growth is misleading. That statistic includes a 27- or 28-year
period starting in 1980, which included the high-interest years during the
’80s and was for a specific policyholder. We’re in a low-interest period
right now and I doubt anyone will see that level of growth anytime soon. I
have an eight-year-old MassMutual whole life policy that, 20 years into the
policy, will have only a 3.36% annualized internal rate of return (IRR),
based on current dividends. I have to hold it for 30 years before I will
get 4.48% IRR. Let’s not kid ourselves about getting a 6.5% IRR.﻿

You should of just been a garbage man, collecting and delivering trash
product. Everything you’ve said is pretty miss leading and i can assure u
that u probably have term life insurance but u would sell cash value life
insurance to ur mom or other family members. ﻿

Your best option is to stay away from any form of cash value policies. The
cash value eats up all your saving to pay the life insurance as you get
older. Example, If i give you $100. At the end of the year with no growth
you should have a minimum of $1200 in to your bank right? not 0 for the
first years. And you would need to fill out a 10 99 for your taxes if the
money grows or not. Uncle Sam wants to know. So If you do not fill a 10 99
its not your account. Ask the agent who sells this crap if its a “legal
investment account?” you should buy term and invest the difference in a
roth or mutual fund. But stay away from the banks and any form of cash
value people.﻿